Background*

Mr. Jose Carlos Avila Benito served as Deputy General Director of Credit at Grupo Financiero Santander S.A.B. de C.V. 2002. Mr. Avila Benito has been a Deputy General Director of Credits at Banco Santander, S.A. (Mexico) since October 2002. He has been Assistant managing director of Loans of Banco Santander (Mexico), since October 2002. Mr. Avila Benito served as a Risk Manager of Banco Santander Rio S.A. He served as a Principal Manager of Loans & Credits in Banco ... Rio de la Plata (Argentina) from 1998 to 2002. He served as an Executive Vice President and Director of risk area at Caribbean - in Banco Santander Puerto Rico from 1997 to 1998. He served as the Chief of International Risks at Banco Santander Espa a (Madrid) from 1990 to 1997 and served as its Head of International Risk Analyst from 1985 to 1990. He served as Head of International Risk sector of Banco Santander Espa a (Madrid) from 1990 up to 1997. He served as the Head of National Zone Risk at Banco Comercial Espa ol (Madrid) from 1980 to 1985 and served as its Head of Urban Agency Risk from 1978 to 1980. He was an Employee of Agency number 5 Risk of Banco Santander Madrid from 1975 up to 1978. He serves as Director of Grupo Financiero Santander S.A.B. de C.V. and Banco Santander, S.A. (Mexico). Mr. Avila Benito is a Spanish banker. He is Commercial Expert Graduate from the Escuela Universitaria de Estudios Empresariales and a course for one year in Telecommunication Technical Engineering.

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